Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,588Cash toward the purchase price.
Closing costs + prepaids$9,124Not just lender fees.
Before credits & paid funds$38,712The complete starting cash picture.
Estimated remaining funds due at closing
$38,712No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,588.41
Your down payment$29,588.41
Closing costs + prepaids$9,123.78
Total buyer cash needed$38,712.19
Remaining funds due$38,712.19
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$1,699.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$247.50
Initial HOA (3 months)$618.00
Prepaid interest, first (24 days)$333.29
Fees + prepaids$9,123.78
Your down payment is the seller’s equity. You take over the $140,411 balance, so the rest of the $169,999 price is paid at closing. A second mortgage can cover part of it. $38,712.19 is due at closing. Uses and sources reconcile at $179,122.78 each. Not a Closing Disclosure.